{ "markdown": "Loan Portfolio \u2013 Risk Rating Criteria\n\n\n[ORANGE_DOT_PATTERN_HEXAGON]\nREADY CAPITAL\u00ae\n\n\n**BUCKET 1:**\nVery Low Risk of Loss: New origination or current with strong credit metrics (LTV/DSCR/DY). No expected losses.\n\n\n**BUCKET 2:**\nLow Risk of Loss: Current with maturity > 6 months. Lower credit metrics with possibility of inclusion on CREFC watchlist. No\nexpected losses.\n\n\n**BUCKET 3:**\nMedium Risk of Loss: Current with near term maturities or in forbearance. Loss unlikely with no specific reserves booked.\n\n\n**BUCKET 4:**\nHigher Risk: Loan delinquent or in maturity default. Potential issues with sponsor or business plans. Minimal losses possible\nand adequately reserved in current period.\n\n\n**BUCKET 5:**\nHighest risk: Loan in default or special servicing. 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